Don Livio II is a financial advisor with Merrill in Cincinnati, OH, holding a Series 66 designation and eight years of industry experience. His prior work includes roles at Rutgers University and Quadrant Capital Management, LLC. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Cheri Fitzgerald is a financial advisor at Merrill with 20 years of industry experience. She holds a Series 63 designation and has worked at Merrill since 2017. Her prior experience includes roles at Uber, Morgan Stanley Smith Barney, and Citigroup Global Markets. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Nicholas Fauber is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 2011. He began his career in the financial services industry in 2004. Nicholas focuses on helping clients develop potential solutions and provides investment guidance tailored to individuals, families, and their businesses by understanding their short and long-term financial objectives. His areas of expertise include college education planning, family wealth management strategies, personal retirement planning, portfolio management services, individual and corporate investment strategy, tax minimization, and retirement income. Nicholas holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a bachelor's degree in Business Administration from Northern Kentucky University. Nicholas resides in Hillsboro with his wife, Cathy, and their two children. Outside of his professional work, he has interests in adventure sports, golfing, and hunting.

Robert Coleman is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has worked since 1993. He holds a business degree from the University of Kentucky and is a qualified Personal Investment Advisor (PIA). Robert’s expertise includes risk assessment, portfolio management, and strategic planning. He provides traditional financial advice and guidance and manages personalized or defined investment strategies on a discretionary basis. These strategies may include individual stocks and bonds, model portfolios, and third-party investment options. Robert is married and has two children.

Kevin W. Frye is a Wealth Management Advisor and Managing Director with Merrill Lynch Wealth Management. He has been with Merrill since 1993, providing financial planning services that support clients through various stages of life. He specializes in areas including employee benefits planning, family wealth management strategies, investment consulting for defined contribution plans, and small business strategies. Kevin holds a bachelor's degree in math and economics from Denison University in Granville, Ohio. He is a CERTIFIED FINANCIAL PLANNER® certificant, a qualified Portfolio Manager in Merrill's Investment Advisory Program, and holds several professional designations including Certified Exit Planning Advisor (CEPA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). His expertise includes managing personalized or defined investment strategies that may incorporate individual stocks, bonds, model portfolios, and third-party strategies. Kevin lives in Mariemont with his wife and five children. He has been involved with community organizations such as the Hyde Park Community UMC Endowment, where he served as a committee chairperson, and the Mariemont Athletic Boosters. His approach to wealth management emphasizes education, clarity, and trust to help clients develop personalized financial strategies aligned with their long-term goals.

Cindy Rowland is a Wealth Management Advisor with Merrill Lynch Wealth Management. She has over 30 years of experience in the financial services industry, having represented mutual fund companies such as Nuveen, Van Kampen, State Farm VP Management Corp, and Delaware Investments to financial advisors nationally. Since joining Merrill Lynch in 2012, Cindy has focused on understanding the priorities of high-net-worth individuals, families, and entrepreneurs, providing personalized attention and customized financial strategies. Cindy holds a Bachelor's Degree from Xavier University and an Associate's Degree from Miami International University of Art & Design. She is a CERTIFIED FINANCIAL PLANNER® (CFP) and a Personal Investment Advisor (PIA). She values a comprehensive approach to wealth management, considering all forms of wealth capital including spiritual, intellectual, relational, financial, and human resources to help clients achieve their goals. Cindy works closely with her team to simplify clients' financial lives and foster confidence in their financial journeys. In addition to her professional work, Cindy serves on the Board of Trustees for The Addiction Services Council of Cincinnati and is involved with the Purposeful Planning Institute and Vineyard Northwest. She is an active member of Crossroads Community Church and enjoys lifelong learning, culinary arts, design, discovering fine coffees, supporting young entrepreneurs, and spending time with her family and friends.

Eric Hendrix is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been part of Merrill Lynch since 2016 and focuses on assisting clients with their financial objectives through personalized strategies. Eric primarily works with corporate benefit plans, including defined benefit plans, across the United States. Eric holds a Bachelor's Degree from the University of Nebraska and an MBA with a concentration in Finance from Creighton University. He holds professional designations as a Certified Exit Planning Advisor (CEPA) and Personal Investment Advisor (PIA). His expertise includes corporate benefits, executive compensation, equity compensation services, retirement planning, and investment consulting for defined contribution plans. In his approach, Eric emphasizes understanding his clients' financial positions and goals to develop tailored plans that address both current and future needs. Outside of work, he enjoys camping, chess, and fishing.

Robert O’Brien is a financial advisor with Merrill in Cincinnati, OH, holding a Series 66 designation and 19 years of industry experience. He has been with Bank of America and Merrill since 2010. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Gregory Hopkins is a Wealth Management Advisor with over 20 years of experience, specializing in personalized retirement strategies and tax-efficient investing. Since joining Merrill in 2006, he has worked with individuals and families to develop disciplined, goals-based financial plans that incorporate risk tolerance, time horizon, liquidity needs, and overall financial objectives. Gregory's work centers on helping clients create, grow, preserve, and distribute wealth through thoughtful planning, diversified investment strategies, and ongoing review as circumstances and markets evolve. He holds a Bachelor's Degree in Chemical Engineering from the University of Cincinnati, which informs his analytical, process-driven approach to financial planning. Gregory is also a CERTIFIED FINANCIAL PLANNER (CFP) and a Personal Investment Advisor (PIA). His client focus areas include college education planning, legacy planning, LGBT wealth planning, personal retirement planning, socially responsible and ESG investing, tax minimization, retirement income, and portfolio management services. Living in downtown Cincinnati since 2021, Gregory stays active by following the Cincinnati Reds and enjoys baseball, soccer, reading, traveling, watching movies, and spending time with his family.

Daniel Hass is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined the River Hills Group in Cincinnati in 2006 and has since focused on helping clients with various aspects of wealth management. Daniel earned his CERTIFIED FINANCIAL PLANNER™ designation from the Certified Financial Planner Board of Standards, Inc. in 2015 and holds the Personal Investment Advisor (PIA) credential. He holds a bachelor's degree from Colorado State University. His approach incorporates insights from his educational background in politics and philosophy, with particular attention to family wealth management, behavioral finance, and financial motivators. His client focus areas include education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, and retirement income. Born and raised in Denver, Colorado, Daniel enjoys outdoor activities such as skiing, hiking, and fishing. He and his wife Courtney, along with their three daughters, spend time exploring city parks and vacationing at ocean destinations.

Sheli Schweinhart serves as a Wealth Management Advisor at Merrill Lynch Wealth Management. She collaborates with individuals, families, and business owners to develop long-term financial strategies tailored to their goals, time horizons, and risk tolerances. Her practice includes investment management, education planning, retirement planning, wealth transfer strategies, and 401(k) plan advisory services. Sheli also works in coordination with Bank of America, N.A., to provide clients with a comprehensive range of investment and banking services. Sheli holds the CERTIFIED FINANCIAL PLANNER® designation awarded by the Certified Financial Planner Board of Standards and the Chartered Retirement Planning Counselor™ (CRPC™) designation. She earned her bachelor's degree in Finance from the University of Dayton and has accumulated over 25 years of experience with Merrill. Her approach involves conducting an in-depth analysis of each client's financial situation to develop and implement customized wealth plans that evolve with life changes. Outside of her professional work, Sheli is involved in community activities and volunteering efforts. She enjoys cooking, reading, spending time with her family, playing tennis, traveling, and practicing yoga.

James O'Reilly is a financial advisor at Merrill with 27 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Merrill since 2008 and Bank of America, NA since 2009. Merrill, in partnership with Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal teams and third-party managers.